Total CFPB complaints
135
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 135 complaints
Fairway Capital Recovery, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 24 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Fairway Capital Recovery, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
39 complaints
- Written notification about debt
Written notification about debt
28 complaints
- False statements or representation
False statements or representation
19 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
17 complaints
- Communication tactics 11
Communication tactics
11 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
C
Grade C · 60.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Fairway Capital Recovery, LLC?
Fairway Capital Recovery, LLC has accumulated 135 total CFPB complaints across 24 states, with 54 filed in the most recent 12 months against 81 historical complaints before that window. The trailing-12-month volume represents 40.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 18% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 24 states, led by North Carolina with 34 and Ohio with 30, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.4/100 places Fairway Capital Recovery, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
54
40.0% of total history
Rising ↑
States active
24
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
18%
After company response
Reputation grade
C
60.4/100 composite
Response-quality profile
How Fairway Capital Recovery, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 35.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 42.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Fairway Capital Recovery, LLC compare to its peers?
Fairway Capital Recove… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-01 2026-02
Top Consumer Issues
Attempts to collect debt not owed39 (%)
False statements or representation19 (%)
Took or threatened to take negative or legal action17 (%)
Written notification about debt28 (%)
Communication tactics11 (%)
Cont'd attempts collect debt not owed2 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 30 |
| False statements or representation | Attempted to collect wrong amount | 19 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 17 |
| Written notification about debt | Didn't receive notice of right to dispute | 16 |
| Written notification about debt | Didn't receive enough information to verify debt | 12 |
| Attempts to collect debt not owed | Debt was paid | 9 |
| Communication tactics | Used obscene, profane, or other abusive language | 4 |
| Communication tactics | Frequent or repeated calls | 4 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
Where do complaints against Fairway Capital Recovery, LLC come from?
The states where consumers have filed the most CFPB complaints against Fairway Capital Recovery, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Fairway Capital Recovery, LLC
Across 24 states with at least one filing
- North Carolina
North Carolina
34 complaints
- Ohio
Ohio
30 complaints
- California 11
California
11 complaints
- Texas 9
Texas
9 complaints
- Kentucky 9
Kentucky
9 complaints
- Illinois 7
Illinois
7 complaints
- South Carolina 5
South Carolina
5 complaints
- Florida 4
Florida
4 complaints
Frequently Asked Questions
What is the most common complaint against Fairway Capital Recovery, LLC? ▼
The most common issue consumers report about Fairway Capital Recovery, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 135 complaints filed with the CFPB.
Are complaints against Fairway Capital Recovery, LLC increasing or decreasing? ▼
Complaints against Fairway Capital Recovery, LLC are rising. The company received 54 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Fairway Capital Recovery, LLC's reputation grade? ▼
Fairway Capital Recovery, LLC has a reputation grade of C (score: 60.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Fairway Capital Recovery, LLC respond to consumer complaints? ▼
Fairway Capital Recovery, LLC has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.
In how many states does Fairway Capital Recovery, LLC operate? ▼
Fairway Capital Recovery, LLC has received CFPB complaints from consumers in 24 states, with the most complaints from North Carolina (34 complaints).
What can I do if Fairway Capital Recovery, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Fairway Capital Recovery, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |